Love that Credit Card. In contrast to the numerous complaints of problems getting money back from travel agents for undelivered holiday services I thought my experience might be helpful to others. Love Holidays took my booking for a holiday in Larnaka Cyprus booked for August. In the event the hotel was closed until September. I had paid Love Holidays £530. I encountered a reluctance to refunding my money. Love Holidays website did not seem to have a refund button.(The website was offering some kind of voucher or an opportunity to change dates at the click of a mouse). I wrote to Love Holidays at its Registered Office by Recorded Delivery – twice – each time the Post Office returned the letters unopened, marked ‘return to sender’. At this point, denied the opportunity to discuss the booking with Love Holidays, I used the returned envelopes to demonstrate to the credit-card company the apparent reluctance to refund. The £530 was in my account two days later. It was so easy. Indeed I need hardly have troubled Love Holidays who clearly were very busy and unwilling to receive and answer recorded delivery letters. So my recommendation for speedy refund is: In the first instance for the legal protection always buy with a credit card. Write to the Agent – by Recorded Delivery. After fourteen days if no refund, tell the credit-card company. (Readers will know that like the Agent the credit-card company is jointly and severally liable). It works like this. The debtor (that’s you) claims refund from the creditor (the credit-card company).The credit-card company then simply takes the money from the account of the Merchant (the travel agent) and gives it to you. The Merchant is charged an administration fee and has 45 days to appeal. Be aware that the alternative of accepting vouchers ends the responsibility of the credit card company. Also the vouchers are likely to have an end date, at which point hundreds of customers may be feverishly trying to use their refund voucher, stoking demand and causing prices to rise. Giving the agent an opportunity to discuss matters with us the client should always be the first action, but it is good to know that the credit card company will respond if the agent is reluctant. It works direct with airlines too. It saves a lot of trouble especially to travel agents like Love Holidays who suddenly find their work load is such that everything has to be dealt with on line. It doesn’t.